Designing Your Personal Wealth Management System
Part 7 of the Rational Compounding Framework Most people manage their money the way they manage their inbox — reactively. They open the investment app when markets drop 8% and…
The Illusion of “Tax Hacks”: Why Optimization Is Not a Strategy
Part 6 of the Rational Compounding Framework There’s a certain type of finance content that feels incredibly productive to read. It goes something like this: max your HSA, do the…
Buy the Dip—But Only If You Have a Deployment System
Part 5 of the Rational Compounding Framework March 2020. The S&P 500 drops 34% in 23 days. I watched three groups of people respond to the same event in completely…
The RSU Trap: When Employer Stock Becomes a Hidden Liability
Part 4 of the Rational Compounding Framework A friend at Google had a realization last year that I’ve watched play out more times than I can count. He’d been there…
Why High Earners Still Fail to Build Wealth
Part 3 of the Rational Compounding Framework There’s a specific kind of broke that doesn’t look broke. Last year I came across a thread on Blind where a $350K Meta…
The 3 Engines of Wealth: Income, Investment, and Optionality
Part 2 of the Rational Compounding Framework I know someone who made $400K last year and lives paycheck to paycheck. I know someone else who makes $120K and has $800K invested,…
Delete Yourself from the Internet: Why Privacy is Now a Strategy
In August 2024, a company called National Public Data confirmed that someone had stolen their entire database — 2.7 billion records containing names, home addresses, phone numbers, and Social Security…
Your Smart Home Is Running a Business You Didn’t Sign Up For
A few months ago I was setting up a new TV and actually read the setup screens instead of tapping through them. Not the full terms of service — nobody…
